IUL Policy Example


IUL policies typically allow you to grow a portion of your premiums through allocation to an index. Insurers often offer a growth cap of 8-9% and floor of 0%. This allows for upside potential with downside protection. Did I mention it’s all tax-efficient?









DEATH BENEFIT

A death benefit will be associated with the policy based on an individual's age and health.



*Tables and charts are for illustrative purposes only and are not based on any specific policy example. Please reference your specific policy for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company.


IUL Policy
$
6.40% Average Return

Bank Savings
$
1.71% average return

Example of an IUL policy that achieves a 6.4% annual return with tax deferral and reinvested dividends*

Bank Savings CD account averages 1.71% annual return with taxable interest payments at 35%*